No. of Recommendations: 1
Now I need to do some reading on how to manage my money. Right now I guess I leave it in cruise control using the 2040 ... but is that really the right option?

It wouldn't be for me. Or for someone who wanted to take a more active control over their investments, using more asset classes, perhaps doing QTAA timing, etc.

But for someone who wants to make a "one-decision one-time" investment it's a pretty good choice. These allocations will stay the same until 2018 before they start tilting more toward bonds, so you've got plenty of time to study & learn at your leisure.

But the BEST thing you've got is that you avoided the bullet of paying a load. Second best thing is that you have much lower E/R than those ML funds would have charged you.
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